Bayfirst Financial Financials

BAFN Stock

USD 6.90 0.15 2.13%

Bayfirst Financial Corp is not in a good financial situation at this time. It has a very high probability of going through financial hardship in March. At this time, Bayfirst Financial's Other Current Liabilities is very stable compared to the past year. As of the 20th of February 2026, Total Current Liabilities is likely to grow to about 344.5 M, while Net Debt is likely to drop about 20.3 M.

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Bayfirst Financial Balance Sheet Chart

At this time, Bayfirst Financial's Other Current Liabilities is very stable compared to the past year. As of the 20th of February 2026, Total Current Liabilities is likely to grow to about 344.5 M, while Net Debt is likely to drop about 20.3 M.

Total Assets Short Long Term Debt Total Total Stockholder Equity Common Stock Shares Outstanding

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Key indicators impacting Bayfirst Financial's financial strength include:

Current Value

Last Year

Change From Last Year

10 Year Trend

Debt Equity Ratio

0.37

0.3892

Notably Down

Slightly volatile

Current Ratio

0.12

0.1308

Significantly Down

Slightly volatile

Investors should never underestimate Bayfirst Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to research Bayfirst Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in Bayfirst Financial Corp.

Net Income

(21.79 Million)

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Understanding current and past Bayfirst Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Bayfirst Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in Bayfirst Financial's assets may result in an increase in income on the income statement.

Bayfirst Financial Stock Summary

Bayfirst Financial competes with Tectonic Financial, OptimumBank Holdings, MDB Capital, Kentucky First, and Texas Community. BayFirst Financial Corp. operates as the bank holding company for First Home Bank that provides commercial and consumer banking services for businesses and individuals. BayFirst Financial Corp. was founded in 1999 and is headquartered in Saint Petersburg, Florida. Bayfirst Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 485 people.

Specialization	Financial Services, Banks - Regional
Instrument	USA Stock View All
Exchange	NASDAQ Exchange
ISIN	US07279B1044
Business Address	700 Central Avenue,
Sector	Banks
Industry	Financials
Benchmark	Dow Jones Industrial
Website	www.bayfirstfinancial.com
Phone	727 440 6848
Currency	USD - US Dollar

Bayfirst Financial Key Financial Ratios

	Return On Equity	-0.23
	Profit Margin	(0.58) %
	Operating Margin	(0.23) %
	Price To Sales	0.73 X
	Revenue	104.19 M

More Fundamentals

Bayfirst Financial Key Balance Sheet Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	917.1M	938.9M	1.1B	1.3B	1.3B	1.4B
Net Debt	(98.1M)	(33.6M)	(42.1M)	(57.7M)	29.0M	20.3M
Retained Earnings	35.9M	33.5M	34.4M	44.1M	19.8M	16.7M
Total Liab	820.8M	847.0M	1.0B	1.2B	1.2B	1.3B
Other Current Liab	44.0M	(1.7M)	9.0M	1.1B	328.1M	344.5M
Accounts Payable	326K	704K	882K	1.0M	1.2M	1.3M
Cash	112.1M	70.9M	63.0M	80.1M	5.1M	4.9M
Other Assets	698.8M	786.5M	(3.2M)	118.7M	1.2B	1.3B
Net Receivables	3.6M	4.5M	7.1M	9.2M	8.4M	8.8M
Total Current Assets	146.6M	112.8M	58.4M	98.1M	42.9M	83.2M
Short Term Debt	44.6M	6.4M	10.5M	2.5M	2.2M	2.1M
Common Stock	51.5M	53.0M	54.5M	54.8M	54.4M	42.8M
Other Current Assets	65.1M	115.6M	75.4M	70.2M	80.7M	87.2M
Intangible Assets	6.6M	10.9M	15.0M	16.5M	12.6M	12.3M
Long Term Debt	9.3M	33.8M	18.3M	7.9M	7.1M	13.4M
Net Invested Capital	105.6M	116.4M	103.3M	103.1M	118.5M	106.7M
Capital Stock	60.8M	62.3M	70.3M	70.5M	81.1M	67.9M

Bayfirst Financial Key Income Statement Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Operating Income	11.7M	7.0M	8.0M	17.0M	(30.8M)	(29.3M)
Ebit	11.7M	7.0M	8.0M	17.0M	19.5M	20.5M
Ebitda	16.0M	12.0M	14.8M	25.7M	(30.8M)	(29.3M)
Income Before Tax	11.7M	7.0M	8.0M	17.0M	(30.8M)	(29.3M)
Net Income	24.6M	(349K)	5.7M	12.6M	(22.9M)	(21.8M)
Income Tax Expense	2.7M	1.6M	2.1M	4.3M	(7.9M)	(7.5M)
Interest Expense	7.3M	8.6M	32.1M	44.8M	40.0M	42.0M
Total Revenue	63.3M	66.4M	110.8M	125.2M	104.2M	109.4M
Gross Profit	59.5M	58.5M	68.3M	65.7M	39.6M	31.8M
Cost Of Revenue	3.8M	7.9M	42.5M	59.5M	64.6M	67.8M
Tax Provision	7.9M	1.6M	2.1M	4.3M	5.0M	3.2M
Net Interest Income	40.2M	29.4M	36.1M	38.0M	43.7M	33.3M
Interest Income	47.5M	38.0M	62.2M	82.8M	95.2M	50.5M

Bayfirst Financial Key Cash Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Change In Cash	54.3M	(43.7M)	(7.7M)	19.4M	(77.8M)	(73.9M)
Free Cash Flow	87.9M	432.2M	447.2M	388.8M	447.2M	469.5M
Other Non Cash Items	69.0M	427.5M	446.2M	365.0M	22.9M	21.8M
Dividends Paid	2.1M	2.1M	2.3M	2.9M	3.3M	3.5M
Capital Expenditures	3.0M	13.3M	8.1M	7.6M	1.7M	0.0
Net Income	24.6M	5.5M	5.9M	12.7M	(22.9M)	(21.8M)
End Period Cash Flow	109.7M	66.0M	58.4M	77.8M	89.5M	93.9M
Depreciation	4.7M	5.0M	6.8M	8.7M	10.0M	10.5M
Investments	(31.5M)	(74.9M)	(611.6M)	(515.9M)	(464.3M)	(441.1M)
Net Borrowings	(812.1M)	(45.1M)	(15.5M)	(10.5M)	(9.4M)	(8.9M)

Bayfirst Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Bayfirst Financial's current stock value. Our valuation model uses many indicators to compare Bayfirst Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Bayfirst Financial competition to find correlations between indicators driving Bayfirst Financial's intrinsic value. More Info.

Bayfirst Financial Corp is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers . At this time, Bayfirst Financial's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Bayfirst Financial's earnings, one of the primary drivers of an investment's value.

Most indicators from Bayfirst Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into Bayfirst Financial Corp current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.

At this time, Bayfirst Financial's Sales General And Administrative To Revenue is very stable compared to the past year. As of the 20th of February 2026, Enterprise Value is likely to grow to about 59 M, while Selling General Administrative is likely to drop about 22.8 M.

	2023	2024	2025	2026 (projected)
Interest Expense	32.1M	44.8M	40.0M	42.0M
Depreciation And Amortization	6.8M	8.7M	7.8M	6.1M

Interest Expense Depreciation And Amortization

Bayfirst Financial fundamental ratios Correlations

	Total Assets	Short Long Term Debt Total	Total Stockholder Equity	Net Debt	Retained Earnings	Common Stock Shares Outstanding	Non Current Liabilities Total	Other Stockholder Equity	Total Liab	Other Current Liab	Total Current Liabilities	Property Plant And Equipment Net	Accounts Payable	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Net Receivables	Short Term Investments	Total Current Assets	Short Term Debt	Common Stock	Other Current Assets	Intangible Assets	Net Tangible Assets
Total Assets		0.69	0.92	-0.31	0.8	-0.41	0.14	-0.68	1.0	0.49	0.48	0.9	0.92	0.45	0.29	0.23	0.76	0.52	0.95	0.31	0.6	0.03	0.78	0.69	0.62	0.82
Short Long Term Debt Total	0.69		0.73	0.04	0.61	-0.49	0.28	-0.54	0.68	0.36	0.36	0.82	0.58	0.18	0.1	0.04	0.62	0.38	0.73	0.58	0.55	-0.02	0.7	0.61	0.61	0.68
Total Stockholder Equity	0.92	0.73		-0.43	0.94	-0.48	0.31	-0.68	0.91	0.53	0.51	0.96	0.73	0.58	0.44	0.32	0.57	0.66	0.89	0.39	0.75	0.17	0.86	0.77	0.69	0.91
Net Debt	-0.31	0.04	-0.43		-0.47	0.03	-0.01	0.41	-0.3	-0.11	-0.07	-0.27	-0.12	-0.97	-0.14	-0.17	-0.02	-0.85	-0.13	0.03	-0.72	-0.3	-0.27	-0.67	-0.17	-0.29
Retained Earnings	0.8	0.61	0.94	-0.47		-0.39	0.38	-0.63	0.78	0.55	0.53	0.89	0.6	0.61	0.54	0.35	0.36	0.71	0.79	0.47	0.76	0.36	0.79	0.66	0.66	0.9
Common Stock Shares Outstanding	-0.41	-0.49	-0.48	0.03	-0.39		-0.36	0.17	-0.4	-0.14	-0.12	-0.45	-0.31	-0.15	-0.32	-0.08	-0.37	-0.14	-0.4	0.0	-0.43	0.09	-0.83	-0.38	-0.19	-0.27
Non Current Liabilities Total	0.14	0.28	0.31	-0.01	0.38	-0.36		-0.1	0.12	-0.2	-0.2	0.28	0.06	0.1	0.46	0.67	-0.15	0.09	0.15	-0.01	0.11	-0.05	0.43	0.0	0.32	0.28
Other Stockholder Equity	-0.68	-0.54	-0.68	0.41	-0.63	0.17	-0.1		-0.67	-0.29	-0.29	-0.65	-0.57	-0.53	-0.15	-0.19	-0.47	-0.61	-0.62	-0.38	-0.6	-0.22	-0.51	-0.66	-0.49	-0.62
Total Liab	1.0	0.68	0.91	-0.3	0.78	-0.4	0.12	-0.67		0.49	0.47	0.89	0.93	0.44	0.28	0.22	0.77	0.5	0.95	0.28	0.58	0.0	0.77	0.68	0.61	0.8
Other Current Liab	0.49	0.36	0.53	-0.11	0.55	-0.14	-0.2	-0.29	0.49		1.0	0.6	0.39	0.18	0.6	-0.04	0.09	0.2	0.64	0.1	0.28	-0.14	0.4	0.23	0.71	0.49
Total Current Liabilities	0.48	0.36	0.51	-0.07	0.53	-0.12	-0.2	-0.29	0.47	1.0		0.58	0.39	0.15	0.6	-0.05	0.08	0.18	0.63	0.13	0.26	-0.12	0.37	0.2	0.72	0.46
Property Plant And Equipment Net	0.9	0.82	0.96	-0.27	0.89	-0.45	0.28	-0.65	0.89	0.6	0.58		0.71	0.44	0.43	0.29	0.56	0.55	0.92	0.4	0.66	0.07	0.85	0.73	0.77	0.92
Accounts Payable	0.92	0.58	0.73	-0.12	0.6	-0.31	0.06	-0.57	0.93	0.39	0.39	0.71		0.24	0.2	0.15	0.78	0.3	0.9	0.24	0.36	-0.05	0.6	0.45	0.5	0.61
Cash	0.45	0.18	0.58	-0.97	0.61	-0.15	0.1	-0.53	0.44	0.18	0.15	0.44	0.24		0.18	0.18	0.14	0.93	0.28	0.12	0.83	0.31	0.44	0.79	0.31	0.45
Non Current Assets Total	0.29	0.1	0.44	-0.14	0.54	-0.32	0.46	-0.15	0.28	0.6	0.6	0.43	0.2	0.18		0.65	-0.34	0.06	0.45	-0.27	0.12	-0.08	0.47	0.02	0.69	0.33
Non Currrent Assets Other	0.23	0.04	0.32	-0.17	0.35	-0.08	0.67	-0.19	0.22	-0.04	-0.05	0.29	0.15	0.18	0.65		-0.26	0.05	0.28	-0.3	-0.01	0.03	0.28	0.09	0.49	0.3
Other Assets	0.76	0.62	0.57	-0.02	0.36	-0.37	-0.15	-0.47	0.77	0.09	0.08	0.56	0.78	0.14	-0.34	-0.26		0.29	0.64	0.42	0.41	0.0	0.52	0.55	0.09	0.51
Cash And Short Term Investments	0.52	0.38	0.66	-0.85	0.71	-0.14	0.09	-0.61	0.5	0.2	0.18	0.55	0.3	0.93	0.06	0.05	0.29		0.37	0.46	0.92	0.49	0.47	0.84	0.31	0.59
Net Receivables	0.95	0.73	0.89	-0.13	0.79	-0.4	0.15	-0.62	0.95	0.64	0.63	0.92	0.9	0.28	0.45	0.28	0.64	0.37		0.3	0.47	-0.02	0.76	0.57	0.76	0.81
Short Term Investments	0.31	0.58	0.39	0.03	0.47	0.0	-0.01	-0.38	0.28	0.1	0.13	0.4	0.24	0.12	-0.27	-0.3	0.42	0.46	0.3		0.48	0.63	0.2	0.37	0.08	0.52
Total Current Assets	0.6	0.55	0.75	-0.72	0.76	-0.43	0.11	-0.6	0.58	0.28	0.26	0.66	0.36	0.83	0.12	-0.01	0.41	0.92	0.47	0.48		0.44	0.66	0.89	0.32	0.61
Short Term Debt	0.03	-0.02	0.17	-0.3	0.36	0.09	-0.05	-0.22	0.0	-0.14	-0.12	0.07	-0.05	0.31	-0.08	0.03	0.0	0.49	-0.02	0.63	0.44		0.01	0.29	-0.21	0.26
Common Stock	0.78	0.7	0.86	-0.27	0.79	-0.83	0.43	-0.51	0.77	0.4	0.37	0.85	0.6	0.44	0.47	0.28	0.52	0.47	0.76	0.2	0.66	0.01		0.67	0.55	0.73
Other Current Assets	0.69	0.61	0.77	-0.67	0.66	-0.38	0.0	-0.66	0.68	0.23	0.2	0.73	0.45	0.79	0.02	0.09	0.55	0.84	0.57	0.37	0.89	0.29	0.67		0.41	0.67
Intangible Assets	0.62	0.61	0.69	-0.17	0.66	-0.19	0.32	-0.49	0.61	0.71	0.72	0.77	0.5	0.31	0.69	0.49	0.09	0.31	0.76	0.08	0.32	-0.21	0.55	0.41		0.63
Net Tangible Assets	0.82	0.68	0.91	-0.29	0.9	-0.27	0.28	-0.62	0.8	0.49	0.46	0.92	0.61	0.45	0.33	0.3	0.51	0.59	0.81	0.52	0.61	0.26	0.73	0.67	0.63

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Bayfirst Financial Account Relationship Matchups

Bayfirst Financial fundamental ratios Accounts

	2021	2022	2023	2024	2025	2026 (projected)
Total Assets	917.1M	938.9M	1.1B	1.3B	1.3B	1.4B
Net Debt	(98.1M)	(33.6M)	(42.1M)	(57.7M)	29.0M	20.3M
Retained Earnings	35.9M	33.5M	34.4M	44.1M	19.8M	16.7M
Total Liab	820.8M	847.0M	1.0B	1.2B	1.2B	1.3B
Other Current Liab	44.0M	(1.7M)	9.0M	1.1B	328.1M	344.5M
Accounts Payable	326K	704K	882K	1.0M	1.2M	1.3M
Cash	112.1M	70.9M	63.0M	80.1M	5.1M	4.9M
Other Assets	698.8M	786.5M	(3.2M)	118.7M	1.2B	1.3B
Net Receivables	3.6M	4.5M	7.1M	9.2M	8.4M	8.8M
Total Current Assets	146.6M	112.8M	58.4M	98.1M	42.9M	83.2M
Short Term Debt	44.6M	6.4M	10.5M	2.5M	2.2M	2.1M
Common Stock	51.5M	53.0M	54.5M	54.8M	54.4M	42.8M
Other Current Assets	65.1M	115.6M	75.4M	70.2M	80.7M	87.2M
Intangible Assets	6.6M	10.9M	15.0M	16.5M	12.6M	12.3M
Long Term Debt	9.3M	33.8M	18.3M	7.9M	7.1M	13.4M
Net Invested Capital	105.6M	116.4M	103.3M	103.1M	118.5M	106.7M
Capital Stock	60.8M	62.3M	70.3M	70.5M	81.1M	67.9M

Today, most investors in Bayfirst Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Bayfirst Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Bayfirst Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.004618

At this time, Bayfirst Financial's Price Earnings To Growth Ratio is very stable compared to the past year.

Bayfirst Financial February 20, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Bayfirst Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Bayfirst Financial Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Bayfirst Financial Corp based on widely used predictive technical indicators. In general, we focus on analyzing Bayfirst Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Bayfirst Financial's daily price indicators and compare them against related drivers.

	Information Ratio	(0.11)
	Maximum Drawdown	13.4
	Value At Risk	(4.12)
	Potential Upside	4.48

When determining whether Bayfirst Financial Corp offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bayfirst Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bayfirst Financial Corp Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bayfirst Financial Corp Stock:

How To Invest In Bayfirst

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Is Bayfirst Stock a good investment?

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What is Bayfirst Financial's Net Worth?

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Largest Regional Banks Companies

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Largest Banks - Regional Companies

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Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bayfirst Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in price.

You can also try the Transaction History module to view history of all your transactions and understand their impact on performance.

Will Regional Banks sector continue expanding? Could Bayfirst diversify its offerings? Factors like these will boost the valuation of Bayfirst Financial. Projected growth potential of Bayfirst fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every Bayfirst Financial data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.

Quarterly Earnings Growth

6.094

Dividend Share

0.16

Earnings Share

(5.93)

Revenue Per Share

9.592

Quarterly Revenue Growth

(0.68)

Investors evaluate Bayfirst Financial Corp using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Bayfirst Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. External factors like market trends, sector rotation, and investor psychology can cause Bayfirst Financial's market price to deviate significantly from intrinsic value.

It's important to distinguish between Bayfirst Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Bayfirst Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Bayfirst Financial's market price signifies the transaction level at which participants voluntarily complete trades.

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Bayfirst Financial Financials

Bayfirst Financial Balance Sheet Chart

Net Income

(21.79 Million)

Bayfirst Financial Stock Summary

Bayfirst Financial Key Financial Ratios

Bayfirst Financial Key Balance Sheet Accounts

Bayfirst Financial Key Income Statement Accounts

Bayfirst Financial Key Cash Accounts

Bayfirst Financial Ratios Relationships

Bayfirst Financial fundamental ratios Correlations

Bayfirst Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Bayfirst Financial fundamental ratios Accounts

Price Earnings To Growth Ratio

0.004618

Bayfirst Financial February 20, 2026 Opportunity Range

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MAIN CATEGORIES

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Total Liab	+ 1.0	Total Assets
Total Current Liabilities	+ 1.0	Other Current Liab
Property Plant And Equipment Net	+ 0.96	Total Stockholder Equity
Net Receivables	+ 0.95	Total Assets
Net Receivables	+ 0.95	Total Liab
Retained Earnings	+ 0.94	Total Stockholder Equity

Cash	- 0.97	Net Debt
Cash And Short Term Investments	- 0.85	Net Debt
Common Stock	- 0.83	Common Stock Shares Outstanding
Total Current Assets	- 0.72	Net Debt
Other Stockholder Equity	- 0.68	Total Stockholder Equity
Other Stockholder Equity	- 0.68	Total Assets